Quyết định 314/QĐ-NHNN của Ngân hàng Nhà nước Việt Nam về mức lãi suất cho vay ngắn hạn tối đa bằng đồng Việt Nam của tổ chức tín dụng, chi nhánh ngân hàng nước ngoài đối với khách hàng vay để đáp ứng nhu cầu vốn phục vụ một số lĩnh vực, ngành kinh tế theo quy định tại Thông tư 39/2016/TT-NHNN

DECISION

PERTAINING TO MAXIMUM SHORT-TERM LENDING INTEREST RATES IN VIETNAM DONG OF CREDIT INSTITUTIONS AND FOREIGN BANK BRANCHES APPLIED TO LOAN BORROWERS TO MEET CAPITAL DEMANDS FOR CERTAIN SECTORS AND INDUSTRIES AS PER CIRCULAR NO. 39/2016/TT-NHNN DATED DECEMBER 30, 2016

SBV GOVERNOR

- Pursuant to the Law on State Bank of Vietnam No. 46/2010/QH12 dated June 16, 2010;

- Pursuant to the Law on Credit Institutions No. 47/2010/QH12 dated June 16, 2010 and the Law on Amendments and Supplements to certain Articles of the Law on Credit Institutions No. 17/2017/QH14 dated November 20, 2017;

- Pursuant to the Government's Decree No. 102/2022/ND-CP dated December 12, 2022, defining the functions, tasks, powers and organizational structure of the State Bank of Vietnam;

- Pursuant to the Circular No. 39/2016/TT-NHNN dated December 30, 2016 of the SBV Governor, prescribing lending activities of credit institutions and foreign bank branches;

- Upon the request of the Director of the Monetary Policy Department,

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Article 1. Maximum interest rates applied to Vietnamese-dong short-term loans according to clause 2 of Article 13 in the Circular No. 39/2016/TT-NHNN dated December 30, 2016 shall be as follows:

1. Credit institutions and foreign bank branches (except people’s credit funds and microfinance institutions) will apply the maximum interest rate of 5.0%/year to Vietnamese-dong short-term loans.

2. People’s credit funds and microfinance institutions will apply the maximum interest rate of 6.o%/year to Vietnamese-dong short-term loans.

Article 2.

1. This Decision shall enter into force as from March 15, 2023 and replace the Decision No. 1813/QD-NHNN dated October 24, 2022 of SBV Governor pertaining to maximum short-term lending interest rates in Vietnam dong of credit institutions and foreign bank branches applied to loan borrowers to meet capital demands for certain sectors and industries as per the Circular No. 39/2016/TT-NHNN dated December 30, 2016.

2. Interest rates applied to credit contracts or loan agreements signed before the entry into force of this Decision shall remain valid according to credit contracts or loan agreements signed according to regulations of laws on the date of signing of credit contracts and loan agreements.

Article 3. The Chief of the Office, the Director of Monetary Policy Department, Heads of the State Bank’s affiliates, credit institutions and foreign bank branches shall be responsible for implementing this Decision./.

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